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Get Cheap Car Insurance in 78216, TX
We monitor insurance prices, helping the average driver in 78216 save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in 78216
The chart below shows the cheapest car insurance company in 78216 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| 78216 Insurer | Monthly Cost |
|---|---|
| Clearcover | $48 |
| Mile Auto | $63 |
| Progressive | $65 |
| State Farm | $70 |
Savings for Every Kind of 78216 Driver
Based on our extensive insurance data, we know the average 78216 driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $382 per year by choosing the right vehicle insurance company. Some 78216 residents are paying out over $1,858 extra every year for auto insurance in 78216. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
78216, TX Savings / Yr. |
|---|---|
$382 |
|
$875 |
|
$771 |
|
$883 |
|
$1,344 |
|
$508 |
|
$555 |
78216 Car Insurance vs. Texas
People living in 78216 pay an average of 4.92% less than the typical driver in the state. The average driver in 78216 can expect to pay about $1,107 per year, or $1,858 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in 78216 for most people.
Car Insurance Prices by 78216 Neighborhood
Insurance Prices
Where is insurance cheapest within 78216?
The map shows insurance prices in and around 78216, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $395 per year within the zip boundaries, with insurance premiums ranging from a high of $2,075 to a low of $1,680. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northeast parts of 78216.Pick the Best Car Insurance Company for You in 78216
The best car insurance provider for most drivers in 78216
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $382 over the average 78216 car insurance company.
The best car insurance provider for 78216 drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $875 over the competition.
The best car insurance company for 78216 drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $771 better than other car insurance companies.
The best auto insurance for 78216 drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $883 less each year.
The least expensive car insurance company for new and young drivers in 78216
In 78216, State Farm costs young drivers $1,344 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 78216
State Farm gave the largest car insurance discounts to married couples, averaging $508 saved each year compared to an average 78216 couple's premiums.
The cheapest car insurance in 78216 for drivers with bad credit
The best 78216 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 78216
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 78216 driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 78216, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around 78216
What Influences the Cost of Car Insurance in 78216?
On average, car insurance in 78216 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 78216 is 27 minutes, which is a little less than average for a driver in the state.
- Texas state insurance regulations may require higher prices.
- An average of 1 to 2 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 78216 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- 78216 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 78216 is $92 per month for minimum coverage and $155 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 78213: Insurance costs 3.71% more
- 78231: Insurance costs 2.48% less
- 78230: Insurance costs 1.56% less
- 78232: Insurance costs 7.00% less
- 78248: Insurance costs 5.17% less
- 78209: Insurance costs 5.11% less
- 78229: Insurance costs 3.77% more
- 78217: Insurance costs 2.05% less
- 78201: Insurance costs 6.67% more
- 78212: Insurance costs 1.35% more
Zip Codes with Similar Populations
- 39047: Insurance costs 5.76% less
- 94611: Insurance costs 13.40% more
- 94590: Insurance costs 21.53% more
- 36608: Insurance costs 12.11% less
- 37115: Insurance costs 15.18% less
- 94102: Insurance costs 30.09% more
- 37660: Insurance costs 27.34% less
- 93705: Insurance costs 14.69% more
- 38115: Insurance costs 12.76% less
- 38118: Insurance costs 12.22% less